When a potential client is about to enter into an agreement that has counterparty risk, the emphasis that can frighten people off, is that four letter word, R-I-S-K. Being one of your happy clients, I had weighed up that R-I-S-K goes both ways. I, as a client, had researched the 'balance' between benefits and potential difficulties - whether or not that balance had to deal with repairs, quality of finish, sum insured, excess, salvage and so on. So, I have made I think, a good decision about balancing R-I-S-K".